Los Angeles, CA Car Insurance

Compared to their surrounding area, how do rates in Los Angeles stack up? What about against the rest of California? What rates can residents of Los Angeles expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Los Angeles?

Based on the information in the chart above, you can see that on average, it's about $16 a month more expensive to insure your vehicle in Los Angeles than it is in the rest of California.

When stacked up against the national average, the average monthly policy payment for Los Angeles is more affordable. Auto insurance coverage in Los Angeles is about $9 cheaper than it is for the rest of the United States.

Although these are the average rates for auto insurance in Los Angeles, that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've broken down average rates for Los Angeles to help you understand what your policy's monthly premium will cost. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!

Average Car Insurance Rates by Age

It's pretty safe to assume that the older you are, the longer you've been driving, right? It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay $34 more than someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may creep back up in Los Angeles.

Average Car Insurance Rates by Gender

Car insurance rates for women are generally cheaper than they are for men. Male and female drivers in Los Angeles, however, both pay around $72 per month for car insurance.

Average Auto Insurance Rates by Driving Record

Depending on your driving record, your rates can vary wildly. Those with clean records will obviously pay significantly less than those with infractions. In Los Angeles, drivers with one accident on their record will experience rates around $84 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $93.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

As you can see in the first table above, the cheapest vehicles to insure in Los Angeles are by and large trucks and vans, which run about $66 per month.

SUV drivers will see rates of about $71, while the rates for car owners average out to about $73 a month.

You can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Los Angeles are vehicles less than one year old.

In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Overall, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your rates may start to dip back down a bit. In Los Angeles, for example, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Generally speaking, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The cost of auto insurance in Los Angeles reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $8 a month.

Average Car Insurance Rates by Housing Situation

One other element taken into consideration is your living situation. If you rent your home or apartment in Los Angeles, expect to pay around $3 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Los Angeles, CA

Recent trends in car insurance for Los Angeles drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.

The cost of auto insurance coverage in Los Angeles decreased from 2017-2020, before steadying out in 2021. Insurance rates finished up in 2022, at $69 per month

How does Los Angeles compare to neighboring areas?

Why are car insurance rates in Los Angeles different from other areas?

Car insurance companies will take into account several factors when figuring out how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

• Local laws
• Road Safety (how many accidents each locality has)
• Number of drivers in the community
• Crime
• Availability of off-street parking

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Los Angeles?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But hold on! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering auto coverage in Los Angeles.

Los Angeles Insurance FAQs

What factors affect car insurance quotes in Los Angeles?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your address, credit score, driving record, and marital status.

Why is the cost of car insurance in Los Angeles different from other neighboring cities?

Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Los Angeles?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Los Angeles?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Los Angeles or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?